Home Venture March 2020

March 2020

HOME VENTURE

GUIDE TO UPDATING YOUR BATHROOM 7 REASONS TO WORK WITH A REALTOR®

3 CRUCIAL QUESTIONS TO ASK BEFORE YOU CO-SIGN A MORTGAGE

NEW YEAR, NEW HOME: INVEST IN A HOME OF YOUR VERY OWN

A Minot Daily News Publication - View more at: www.minotdailynews.com

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WELCOME TO THE HOME VENTURE MAGAZINE! WE HOPE YOU FIND THIS GUIDE USEFUL WHEN YOU DECIDE TO BUY, SELL, BUILD, OR REMODEL YOUR HOME. IN THIS PUBLICATION YOU’LL FIND QUICK TIPS, HELPFUL ARTICLES, & THE BEST OF THE BEST OF THOSE TO HELP YOU ON YOUR OWN HOME VENTURE JOURNEY!

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2

HOME MARKET March 2020

Home Venture YOUR BUYING, SELLING, & REMODELING GUIDE

Index of Advertisers Watne, REALTORS® ..............2, 11-14 Liechty Homes ................................. 5 Bremer Bank .................................... 6 First Western Bank .......................... 8 Aspire Credit Union ......................... 10 Primary Residential Mortgage ........ 17 Town & Country Credit Union ......... 20

Table of Contents RIGHT AT HOME: Reclaimed wood’s past adds character to decor ... 4 7 Reasons to Work With A REALTOR® .................................................. 15 3 Crucial questions to ask before you co-sign a mortgage ................. 16 Guide to updating your bathroom .................................................. 19 New Year, New Home: Invest in a home of your very own!..................... 21

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AP Photo

This photo provided by Hudson Company in New York's Hudson Valley shows salvaged wood paneling at the Omi Center in Ghent, N.Y.

RIGHT AT HOME: Reclaimed wood’s past adds character to decor 4

HOME MARKET March 2020

By KIM COOK Associated Press

In their new book, “Reclaimed Wood: A Field Guide’’ (Abrams, 2019), woodworkers Alan Solomon and Klaas Armster close with an imagined recounting of one tree’s story from sprout to salvage.

The tale begins in the 1500s, when longleaf pine covered a vast area from North Carolina down to the tip of Texas and the Florida Panhandle ‚Äî “the largest forested lands in North America,” the authors say. Over the next few hundred years, their pine tree grows to 120 feet. Naturally fire-resistant, it survives storms, woodpeckers, hunters and the Civil War, until it succumbs to loggers in the 1880s. The tree is then brought to a mill, shipped to New York, and taken by horse cart along cobblestone streets to lower Manhattan. For the next couple of hundred years, its wood frames commercial lofts that hold hat shops and daguerreotype salons. After demolition in the mid-2000s, the pine boards are salvaged by builders to clad the floors of the Park Avenue Armory and make gym bleachers in Baton Rouge, Louisiana.

As the authors write, “the longleaf that had grown in the South and then went North, ultimately kept roots in both places.”

The story describes what could be the life’s journey of many trees whose long-lasting wood was a primary building material in the development of towns and cities.

These days, although many new buildings are made of concrete or brick, there’s a resurgence in using reclaimed wood in everything from ceiling beams to feature walls, furniture, flooring or exterior cladding.

Architects and designers appreciate the narrative that salvaged wood brings to a project, and the physical charm of planed boards with the patina and markings of their life stories.

Solomon and Armster run Sawkill Lumber in Brooklyn, New York, supplying wood salvaged from barns, commercial and industrial sites, and homes to architects, contractors and woodworkers. Sometimes their hardSee WOOD — Page 6

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March 2020 HOME MARKET 5

Wood

Continued from Page 4

woods or softwoods are left in their natural state, but the team also “rehabs’’ beams and boards by refinishing, sanding and giving them coats of protective stains, oils or waxes.

In one case, Solomon says, they acquired wood from dismantled Worcestershire sauce tanks at an old Lea & Perrins plant in New Jersey.

“The wood is high-quality, oldgrowth Douglas fir, free of knots, with a strong scent of sauce after re-sawing,” says Solomon, who used some of the wood to clad his own home.

The Hudson Company, which has a mill and showroom in Pine Plains, New York, and showrooms in Manhattan and Ridgefield, Connecticut, salvages timbers and boards from various cities’ water towers, industrial buildings and agrarian structures. It has also salvaged framing from mushroom farms; the woods — mostly hemlock and cypress — develop unique characteristics over the fungi’s growth cycle.

Company president Jamie Hammel likes the idea that the wood, often used as paneling in residential and commercial projects, is salvaged from an ongo-

ing agricultural process.

“So, in a sense it’s a renewable resource, because the farmers are continuously updating and replacing the boards from the growing beds. In addition, the caramel color wood tones, fine grain, and sculptural textures offer a unique aesthetic,’’ he says.

Jonah Meyer, who owns Sawkille Company, a furniture design studio in Rhinebeck, New York, praises heart pine for its “wonderful stripes. Heart pines come from the beams of America’s first factories, and of course, these were old growth forests that were being cut. Old growth also means slow growth; the rings of the trees are very tight. Nothing grows like that anymore.”

Meyer crafts chairs, tables and other furniture, some of which he paints with woodland scenes or decorative motifs.

When nature sends something his way, he’ll make the most of it.

“Occasionally we find a huge tree that has come down in a storm, so we cut it up for coffee tables and start drying the pieces. They’re amazing to work with — some are almost 45 inches across,’’ he says. “Over time we get to know the tree, and it’s a good feeling to have saved it from the firewood pile.”

AP Photo

This photo provided by Hudson Company in New York's Hudson Valley shows salvaged wood paneling in the bathroom of a private residence in Blue Diamond, Nev.

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Member FDIC LENDER

HOME MARKET March 2020

Estate-sized Belle Vista has inspiring look Deck 14'4" x 8'

Lower Deck 47' x 10'4"

Owners’

By Associated Designs

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living room. Display hutches flank to house aSuite complete home enter2-Story 14'4" x 20'4" Nook the fireplace, which can be enjoyed tainment center.

Utilities are nearLiving 9' Dining fromx the dining room as well as the by in a large workspace that conSunny, tropical climates spring 12'8" x 18' 16'10" x 19' Deckof the living room. A den,14'9" located next to nects to the garage. to mind, standing in front x 13'and the owners’ suite, could easily be The Belle Den Vista’s elegant ownBelle Vista. Soaring 23'11" roof lines Up Dn 10'8"x intriguing window detailing draw used as a home office.

Foyerers’ suite boasts a private deck and 11'4" eyes back for a second, third andFamilyKitchen and family room offer a luxurious bathroom. Amenities Deck plenty of room to spread out. A here include: a spa even fourth admiring glance. 17'4" x 22'10" 14'4"tub, x 8'twin vaniEntry ties, enclosed shower and toilet, Part of the fascination is its sheer long conversation bar rims one Porch Lower Deck edge of an angled counter with two and a large double walk-in closet. size — more than 4,000 square feet Planter Owners’ 47' x 10'4" Planter Designs is the original Associated of living space, not counting the sinks. From the main sink, you Suite 14'4" 20'4" have a panoramic view of the2-Story nook source forxthe Belle Vista 30-274. basement or three-car garage. This Nook Utilityroom, plus the two-level Living For more information or to view x 9'family estate-size plan boasts Garage three huge12'8"and Dining 38'4" x 27'8" deck and beyond.14'9" x 18' 16'10" x 19'other designs, visit www.Associated gathering spaces plus a luxurious Deck A second fireplace nestles be- Designs.com or call 800-634-0123. owners’ suite, all23'11" on the ground x 13' Den designed floor. Three more spacious bed- tween banks of cabinets Bedroom Balcony Up Dn 10'8"x © 2020 Associated Foyer 14'2" x 14'4" Deck rooms are upstairs, each Designs, Inc. 11'4" Open to 14'4" x 8' with a bathroom and Living Family Bedroom Lower Deck Below walk-in closet.

17'4" x 22'10" 14' x 20'4" Owners’ 47' x 10'4" Entry Belle Vista Entering, you pass Suite PorchBalcony PLAN 30 -274 2-Story 14'4" Bedroom x 20'4" Nook through a stately portico.

Living 12'8" xPlanter 9' 15'6" x 11'8" First Floor 3031 sq.ft.

Double doors open into a Dining Open Dn 16'10" x 19' Planter Dnx 18' 14'9" to Below Second Floor 1254 sq.ft. wide, window-rich, twoDeck 23'11" x 13' Living Area transected 4285 sq.ft.by story foyer, Den Up Dn 10'8"x Basementbridge 1459 sq.ft.

Utility a balcony that offers Garage Foyer 11'4" Garage 1048and sq.ft. vistas to the front rear.

38'4" x 27'8" Family Dimensions 115'6" x 81'4" Back on the main floor, 17'4" x 22'10" Entry SERIESmark doubleESTATE columns Porch www.AssociatedDesigns.com passageways to the Bedroom Planter Balcony Associated dining room, owners’ © 2020 Planter 14'2" x 14'4" Designs, Inc. Open to suite and two-story U p

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Belle Vista

Garage 38'4" x 27'8"

Utility Bedroom

14' x 20'4"

PLAN PLAN 30 30-274 -274

www.AssociatedDesigns.com www.AssociatedDesigns.com

Balcony

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© 2020 Associated Designs, Inc.

Pl an t

First 3031 First Floor Floor 3031 sq.ft. sq.ft.

Second Second Floor Floor 1254 1254 sq.ft. sq.ft.

Living Living Area Area 4285 4285 sq.ft. sq.ft.

Basement 1459 Basement 1459 sq.ft. sq.ft.

Garage 1048 Garage 1048 sq.ft. sq.ft.

Dimensions 115'6" x 81'4" Dimensions 115'6" x 81'4" ESTATE ESTATE SERIES SERIES

Living Below

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Bedroom Open 14'Below x 20'4" to

Bedroom 14'2" x 14'4" Open to Bedroom Living Below Dn 15'6" x 11'8" Balcony

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Bedroom Dn 15'6" x 11'8"

March 2020 HOME MARKET 7

Blueridge stands out with Blueridge glass and brick

Deck Dn

PLAN 10 -205

First Floor 2186 sq.ft.

Second Floor 522 sq.ft.

By Associated Designs Living Area 2708 sq.ft.

Bonus Room 318 sq.ft.

Garage 623 sq.ft.

Dimensions 68'4''x 64' Owners’ Suite 2000 SERIES 15'4'' x 15'6''

8

HOME MARKET March 2020

Storage

Kitchen

Utility

Blueridge Blueridge

Library/ Kitchen Entry Dining PLAN 10-205 Guest 12' xPLAN 13'2''10-205 12'2'' x First Floor 2186 First Floor 2186sq.ft. sq.ft.

13'8''

tion. A bay Second SecondFloor Floor 522 522sq.ft. sq.ft. window illumiPorchLiving LivingArea Area 2708 2708sq.ft. sq.ft. nates and exBonus Room 318 sq.ft. pands the room Bonus Room 318 sq.ft.Garage 27'4'' x 23'8'' Garage 623 Garage 623sq.ft. sq.ft. to the left of Garage 27'4'' x 23'8'' Dimensions Dimensions 68'4''x 68'4''x64' 64' the entry. This space could be 2000 2000SERIES SERIES © 2020 Associated Designs,office, Inc. a home Living © 2020 Associated www.AssociatedDesigns.com www.AssociatedDesigns.com guest 14'10'' room, xor Designs, Inc. 14' what have you.

The Blueridge owners’ suite is to the informal family living area. rich in amenities. It has a huge Standing at the cooktop, you can walk-in closet, oversized shower, Librar serve food directly to people at the skylit soaking tub, private toilet, Gues 12'2'' Bedroom eating bar. Other amenities include andDn double vanity.

Upstairs, two 13'8' 11'6'' x 10' a work island, pantry, garden win- bedrooms (both with window dow, and built-in appliances. seats) share a bathroom. And over Utilities are easy to get to from the garage there’s a deep, unfinBedroom the kitchen and garage. The laundry ished bonus room with skylights.

12' x 13'2'' Associated Designs is the origiroom has a deep sink and folding counter and the garage has extra nal source for the Blueridge 10room for storage and a workbench.

205. For more information or to Bonus designs, The dining room is next to the view other visit Room kitchen but well-separated from the www.AssociatedDesigns.com or 11' x 23'4'' clatter and clutter of food prepara- call 800-634-0123.

Storage

Viewed from the street, the Blueridge looks like it’s almost Bonus all brick and Room glass. These elements combine 11' x 23'4'' with curved window bays and varied rooflines to create a home that sparkles with warmth and charm.

Family living spaces are spacious and bright, especially the living room and the kitchen/family room. Both have fireplaces.

Clerestory windows crown the lower windows on four sides of the high-ceilinged living room’s halfoctagonal bay. In the family room, windows flank the fireplace, and natural light streams in through skylights. The screened porch has more windows than walls.

The kitchen is completely open

Bedroom 12' x 13'2''Family Screened 15' x 19'6'' Owners’ Suite Porch 15'4'' x 15'6'' Nook 10'2'' x 9'8'' Bonus 10'6'' x 10'4'' Room Dn to11' x 23'4'' NookUp Bsmt 10'6'' x 10'4''

Utility

Entry Bedroom Dining 11'6'' x 10' 12' x 13'2''

Porch

Screened Porch 10'2'' x 9'8''

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Storage

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Up

Storage

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Deck

Living 14'10'' x 14'

www.AssociatedDesigns.com

Bedroom 11'6'' x 10'

Helping dreams come true.

For most of us, our home is the biggest purchase we’ll ever make. I love helping my customers with their mortgage so they can get into their home and on with their dreams.

Juliene Mowan AVP Mortgage Lending NMLS #: 665251

REALTORS®

in the news Congratulations, Thad Tarasen, Watne, REALTORS® Top Producer of the Month of January 2020. “Thad has worked hard for me from the very beginning, always responsive and available. From the first friendly handshake to closing, and even now, he has offered his help. He willingly searched for homes within my budget, set up viewings and actually drove me to them. He checked in with me frequently to make sure I had no questions on the property and negotiated hard for me. Without his guidance, patience and professionalism, I do not think I could have survived this journey! Thank you, Thad! I will send anyone I come across who is looking to buy or sell your way!” - Patricia Annas. If you would like the same results, I can be reached by calling 701 240-6737 or email at thad@minothomes.com.

Congratulations, Janet

Schelling,

Watne, REALTORS® Top Sales Professional of the Month of January 2020. Hello, I’m a dedicated REALTOR® and I’m proactive in finding or selling a home. I have always lived in the Minot area and enjoy helping people realize their dream of a new home, a vacation home, or downsizing! I will be with you through the whole process, with professional and personal service. My career as a real estate agent isn’t just a profession, it’s a passion! If you are thinking of buying or selling, contact Janet Schelling! You can call or text 701-240-7537, also you can email me at janet@minothomes.com. I’m ready to help you with all your real estate needs!

March 2020 HOME MARKET 9

The Right Light Known for high energy efficiency, LED lighting has a great potential impact on energy savings. LED lights use less energy and last considerably longer than traditional incandescent lighting.

Advantages

1. Energy Efficient — LED lights are up to 80% more efficient than traditional lighting. 95% of the energy in LEDs is converted into light and only 5% is wasted heat. LED lights also draw in less power, reducing energy costs and bulb replacements.

2. Non Toxic, Improved Safety & Environmentally Safe — LED lights contain no toxic elements.

— LED lights are made with epoxy lenses, not glass, and are much more resistant to breaking or shattering.

3. Less Lights, More Life — The average LED light lasts 50,000-100,000 or more operating hours!

— LED lights last approximately 2-4 times as long as most fluorescent, metal halide and sodium vapor lights.

— LED lights last 40 times longer than the average incandescent Most Common bulbs.

Usages for LED Lights

4. Design Flexibility — LED lights can be used in a wide variety of applications – from home lighting to industrial and commercial to grow lights that help plants grow better and faster.

— In recent years, improvements in technology have created dimming capabilities and various color temperatures in LED lights, resulting in an increase in popularity and allowing you to change a room’s mood.

— Menards

10 HOME MARKET March 2020

Industrial & Commercial Lighting Kitchen Under-Cabinet Lighting Recessed Downlights Replacement Bulbs Holiday or Decorative Lights

1430 South Broadway PO Box 3160 Minot, ND 701-837-5353 aspire.creditunion

®

2019 REALTOR® Awards Multi-Million Dollar Sales Production

Leigh Ann Perdue Janet Schelling

Top Sales Production Carrie Montoya

Watne Sales Team Judy Hoskin

Danielle Delzer

Lenora Stevenson

Geri Erven-Beede

Gracia Eman

Jim Bowman

Kevin Connole

Thad Tarasen

Beth Ringen

Ali Ryan

Million Dollar Sales Production Lana Berman

Ric Montoya

Janea Martell

Susanne Hoskin

Gary Kramlich (Retired)

Matt Watne

Blake Krabseth

480 North Broadway Minot, ND 58703 • 701-852-1156 • 800-568-5311 www. minothomes.com

March 2020 HOME MARKET 11

$104,000

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Serving the Greater Minot Area Since 1951

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SURREY ND - *Silver

$89,900

$115,000 MOVE-IN READY! - *Located in McGregor ND *3 Bedrooms *Newer Siding, Windows, Maintenance-Free Deck and Metal Roof *Attached Single Garage *Updated Flooring *Freshly Painted *Room to Build #200023

$220,000

$210,000

GREAT LOCATION! - *2 Bedroom, 1.75 Bath Townhouse *Attached 2-Car Garage *Over 1,400 Sq. Ft. *Quiet Cul de Sac *Open Concept *Very Spacious *Maintenance Free Porch *Sprinkler System #191540

Janet Schelling 701-240-7537

COUNTRY SETTING! - *3 Bedroom, 1.75 Bath Home near Turtle Lake ND *Gas Fireplace *Attached Triple Garage Carrie *Detached Single Garage Montoya 190893 701-240-0709

MUST SEE! - *3 Bedroom, 1.75 Bath Condo *High Ceilings *Open Concept *Private Deck *Walk-Out Basement *Fenced Backyard *Single Garage #191491

$149,900

KENMARE ND - *Historical Home *3 Bedrooms, 2 Baths *2 Car Heated Insulated Garage *Custom Woodwork *Original Hardwood Floors *Wood-Burning Fireplace *Vintage Lover’s Dream #181558

BOTTINEAU ND - *Grand Tudor Home *Wood-Burning Fireplace *Original Woodwork *Beautiful Windows *Harwood Floors *3 Janet Bedrooms *Single Car Garage Schelling #192227 701-240-7537

TO BE MOVED! - *Move to Your Own Lot *2016 29X72 Modular Home (Not Manufactured) *Never Lived in *9 Ft. Ceilings *3 Bedrooms

$48,900

Carrie Montoya 701-240-0709

GREAT POTENTIAL! *Nice Size Lot *Upper Level Master Bedroom Suite, Full Bath *Remainder of House is in Remodeling Process #192410

$134,500

#200293

$199,900

701-641-0150

Judy Hoskin 701-721-3837

Springs Development Area *3 Bedrooms, 2 Baths *3 Stall Garage *Open Concept *Deck in Back *Vaulted Ceilings *Lots of Storage#200297

$129,000

#200306

Leigh Ann Perdue

Bedrooms, 3 Baths *Stainless Steel Appliances *New Metal Roof *Deck Off Dining Room *2 Car Garage

UNDERWOOD ND - *2 Large Lots *5 Bedrooms *Double Detached Garage *New Roof, New Furnace, New Siding & Several New Windows Last Few Years

#190981

Ali Ryan

701-720-9004

Ali Ryan....................................701-720-9004 Beth Ringen ............................701-429-0326 Blake Krabseth .......................701-720-1786 Carrie Montoya .......................701-240-0709 Danielle Delzer ........................701-500-3732

12 HOME MARKET March 2020

Blake Krabseth 701-720-1786

#190080

Thad Tarasen

701-240-6737

Janea Martell 320-333-5264

Danielle Delzer 701-500-3732

Blake Krabseth 701-720-1786

Geri Erven-Beede ...................701-509-1773 Gracia Eman ...........................701-263-1295 Janea Martell ..........................320-333-5264 Janet Schelling .......................701-240-7537 Jim Bowman ...........................808-462-2173

800-568-5311 701-852-1156 408 North Broadway Minot, ND 58703

$29,900

$37,000

$45,900

GREAT INVESTMENT!

MOHALL ND - *2 Bedrooms

Janet Schelling 701-240-7537

GOODRICH ND - *Small Town Community *2 Bedrooms *Oversized Single Ali Ryan Car Garage *Metal Roof & Lana Berman *Wrap Around Cedar Deck 701-720-9004 & #200124 909-581-5428

$124,500

$125,000

$180,000

GREAT INVESTMENT OPPORTUNITY! - *3 Bedroom Split Foyer Home *Attached 2 Gracia Eman & Car Garage * Lots of Natural Blake Krabseth Light *Spacious Home *Very 701-509-1773 & 701-720-1786 Large Backyard #200138

CROSBY ND - *3 Bedrooms, 1.75 Baths *Spacious Kitchen *Stone Fireplace *Beamed Ceilings *French Doors Leading Leigh Ann to Deck *Single Car Garage Perdue 701-641-0150 #182522

COUNTRY LIVING CLOSE TO TOWN! - *Manufactured Home Located in Max, ND *4 Bedrooms, 2.5 Baths *Lots of Natural Light *Double Detached Garage *Fenced Danielle Back Yard *Large Corner Lot Delzer #192230 701-500-3732

$165,900

$173,000

$164,900

®

CHECK THIS OUT! - *3 Bedroom Home *Kitchen remodeled 2014 *New Siding/Windows 2014 *New Furnace/AC 2015 *New Carpet 2018 #191547

DOUGLAS ND *Manufactured Home to be Moved *Beautiful Open Floor Plan *Oak Cabinetry *Many Built-ins *Fireplace *3 Bedrooms, 2 Full Baths #192375

MOHALL ND - *3 Bedrooms, 1.75 Baths *Spacious Home *Large Deck & Stone Patio *2Janet Car Garage *Great Location Schelling #190792 701-240-7537

- *Located in Bottineau ND *4 Bedrooms *Single Garage *Great Property *Great Location, Next to School and Downtown

$324,900

Danielle Delzer 701-500-3732

$124,900

Janet Schelling 701-240-7537

#190064

$154,000

#191914

*Hardwood Floors *Walk-In Whirlpool Tub *Good Size Deck *Storage Shed *Washer/Dryer Included *Nice Location

SOUTH OF TIOGA ND – *3 Bedroom Modular Home *One Owner *Wood-Burning Stove *Many Mature Trees *1,200 Leigh Ann Sq. Ft. Insulated, Heated Shop Perdue *Room to Build #192336 701-641-0150

GLENBURN ND - *2

SUPER NICE CONDO - *4 Bedrooms, 3 Baths *Very Spacious *Quality Mindt Build *Open Floor Plan *Hickory Woodwork *Maintenance-Free Deck *Beautiful Backyard #200257

Bedrooms*Large Corner Lot *Attached Heated Garage *Extra Garage with Workshop *Storage Shed *Fireplace *Deck

#200147

Judy Hoskin ............................701-721-3837 Kevin Connole.........................701-833-7003 Lana Berman ...........................909-581-5428 Leigh Ann Perdue ...................701-641-0150 Lenora Stevenson ..................701-263-7757

Lenora Stevenson 701-263-7757

Janet Schelling 701-240-7537

Judy Hoskin 701-721-3837

Matt Watne ..............................701-720-5700 Ric Montoya ............................701-240-0749 Susanne Hoskin ......................701-833-0160 Thad Tarasen ..........................701-240-6737

March 2020 HOME MARKET 13 EQUAL HOUSING OPPORTUNITY

®

®

®

®

Watne REALTORS® • 408 N Broadway Minot, ND 58703 • 701-852-1156 14 HOME MARKET March 2020

WHAT TO KNOW:

7 reasons to work with a REALTOR® Watne, REALTORS® is proud to share with Home Venture readers this handout that we supply our readers. It reflects the value of using a REALTOR® trained agent.

Watne’s has been a proud member of the National Association of REALTORS®, North Dakota Association of REALTORS® and Minot Board of REALTORS® over the past several decades serving Minot and northwestern North Dakota.

REALTORS® aren’t just agents. They’re professional members of the national Association of REALTORS® and subscribe to a strict code of ethics. This is the REALTOR® difference for home buyers.

1. ETHICAL TREATMENT

Every REALTOR® must adhere to a strict code of ethics, which is based on professionalism and protection of the public. As a REALTOR®’s client, you can expect honest and ethical treatment in all transaction-related matters. The firs obligation is to you, the client.

2. AN EXPERT GUIDE

Buying a home usually requires dozens of forms, disclosures, and other technical documents. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes. Also, there’s a lot of jargon involved, so you want to work with a professional who can speak that language.

3. OBJECTIVE INFORMATION AND OPINIONS

REALTORS® can provide local information on utilities, zoning, schools, and more. They also have objective information about each property. REALTORS® can use that data to help you determine if the property has what you need. By understanding both you needs and search area, they can also point out neighborhoods you don’t know much about but that might suit your needs better than you’d thought.

4. EXPANDED SEARCH POWER

Sometimes properties are available but not actively advertised. A REALTOR® can help you find opportunities not listed on home search sites and can help you avoid out-of-date listings that might show up as available online but are no longer on the market.

5. NEGOTIATION KNOWLEDGE

There are many factors up for discussion in a deal. . A REALTOR® will look at every angle from your perspective, including crafting a purchase agreement that allows enough time for you to complete inspections and investigations of the property before you are bound to complete the purchase.

6. UP-TO-DATE EXPERIENCE

Most people buy only a few homes in their lifetime, usually with quite a few years in between each purchase. Even if you’ve done it before, laws and regulations change. REALTORS® hangle hundreds of transactions over the course of their career.

7. YOUR ROCK DURING EMOTIONAL MOMENTS

A home is so much more than four walls and a roof. And for most people, property represents the biggest purchase they’ll every make. Having a concerned, but objective, third party helps you say focused on the issue most important you.

Watne, REALTORS® 408 N Broadway, Minot, ND 58703 Phone: 701-852-1156 MinotHomes.com

March 2020 HOME MARKET 15

3 crucial questions to ask before you co-sign a mortgage A mortgage is a significant responsibility. For this reason, many people have someone co-sign with them on their mortgage. Before agreeing to co-sign on any mortgage, it is important to ask the right questions.

There are several crucial questions that everyone should ask before they co-sign on someone else’s mortgage.

What Does It Mean To Co-Sign On A Mortgage?

Before signing that piece of paper, it is important to understand the responsibilities involved.

Co-signing on a mortgage is a little bit different than co-signing for a credit card.

The person who is buying the home, the primary signer, lives in the property in question. The co-signer, typically, does not. On the other hand, both people signing the mortgage take on the financial risk of the mortgage. Before co-signing, understand the financial risk involved.

Is It Smart To Trust The Borrower?

One of the most important questions to ask is whether or not the borrower caan be trusted. Remember, if the primary signer cannot make the payments on the mortgage, the co-signer is on the hook for those payments. Before placing any financial assets on the line, make sure the borrower can be trusted to maintain gainful employment, make smart financial decisions, and keep up with the mortgage payments.

16 HOME MARKET March 2020

What Are The Risks Involved?

Chad Vogel is a Reverse Mortgage Specialist & Branch Manager of PRMI Primary Residential Mortgage Inc.The Dakota Group. Chad can be reached at 701-805006 or via email at cvogel@primeres.com

There are a few risks that people need to think about when it comes to co-signing a mortgage. First, think about the risk to the credit score. If the primary signer makes late payments, these can impact the co-signer’s financial health and credit score as well.

In addition, there are relationship risks that everyone should think about. Most people co-sign a mortgage for a family member or friend. Having this type of financial arrangement can complicate relationships among loved ones.

Understanding The Process Of CoSigning A Mortgage

These are only a few of the many questions that people need to ask when they are thinking about co-signing on a mortgage. Everyone who is considering co-signing must consider the financial health and responsibility of the primary signer in addition to the risks they will be taking on. Co-signing on someone else’s mortgage is a big decision. Consider the various factors involved in this decision.

As always, speak with your trusted real estate and mortgage finance professional for advice on your personal situation.

March 2020 HOME MARKET 17

Home Improvement

A FRIENDLY HOUSE

701-852-3576 18 HOME MARKET March 2020

Guide to updating your BATHROOM Your bathroom is the most intimate room in your house, so why shouldn’t it be beautiful? Whether it’s wear and tear or needs a change, an easy update might be just the solution. Here are some areas to look at when updating your bathroom:

Showerheads and Faucets

Minot Board Of REALTORS Alliance Real Estate 1829 South Broadway • Minot, ND 701-839-2217

Century 21 Action REALTORS 500 20th Ave SW • Minot, ND 701-839-0021

Brokers 12

Types/Features Showerheads: Fixed Mount, Handheld, Combo Showerhead, Slide bar, etc.

Multiple Spray Settings, 2-in-1 Combined, Rain, etc.

Faucets: One Handle, Two Handle, Widespread, Vessel, etc.

—Finishes: Stainless Steel, Chrome, Brushed Nickel and Bronze are a few of the most common finishes. The finish is very important, so ask yourself some questions - Does it go well with you shower or vanity? Do you want a shiny finish or matte finish look?

Vanities and Vanity Tops

Vanities are another big piece to look at for your bathroom.

A new vanity or vanity top can really change the style of a room in its entirety. Vanities come in a variety of types, colors and styles. Two of the main types are Freestanding and Wall Mounted.

Lighting The key to good lighting in your bathroom is layering. Think about the areas that need lighting, such as around the mirror and the tub area, which are the most important. Also consider the color that the light bulbs give off, that can change the whole mood of the room.

Hardware Complete your bathroom with matching hardware. You can match things like towel rods, toilet paper holders, hooks and bath cabinet knobs to your faucet, showerhead and even lighting fixtures. Looking at these little details can add that extra touch to make your bathroom your own.

Paint and Back Splashes A fresh coat of paint can change the whole atmosphere of a room. Determine what color will compliment your vanity, faucet and hardware. You can even spruce up the vanity with a coat of paint. Another option is to place a back splash to give you an accent to your bathroom.

Toilet

1201 South Broadway • Minot, ND 701-852-3757

Coldwell Banker 1st Minot Realty 219 South Main • Minot, ND 701-852-0136

Elite Real Estate 1829 S. Broadway St #1 • Minot, ND 701.838-4040

EXP Realty 3369 45th St. S • Fargo, ND 701.289.7315

IMM Inc. 700 N. Broadway • Minot, ND 701-852-3648

Keller Williams Inspire 12 S. Main St • Minot, ND 701-838-6800

NextHome Legendary Properties 400 4th St. SW • Minot, ND 701-852-8151

Preferred Partners 2050 38th Ave. SW • Minot, ND 701-852-HOME (4663)

Remax 2915 10th St. SW • STE A-Minot 701-838-8300

Signal Inc., Realtors

Models The two main models are One-Piece and Two-Piece. OnePiece has the tank attached, while a Two-Piece has a detached tank.

Bowls Elongated and Round are the two typical shapes of toilet bowls. Elongated Bowls are typically the most popular for being a larger seat where the Round Bowls are smaller.

Toilet Seat The toilet seat is another thing to consider. Some new toilets come with one included. They come in different shapes, materials, styles and colors.

— Menards

1541 South Broadway • Minot, ND 701-852-3505

Signature Properties 17010 South Broadway • Minot, ND 701-839-1999

Watne Realtors 408 North Broadway • Minot, ND 701-852-1156

701 Realtors 6 N. Main St. • Minot, ND 701-852-7659

March 2020 HOME MARKET 19

Peterson is inviting country-style home

By Associated Designs

Great Room

Peterson

20 HOME MARKET March 2020

Vaulted Kitchen

Great Room

Great Room

Vaulted Kitchen

Vaulted Kitchen

under-counter storage capacity is there as well, conveniently close to further boosted by a roomy walk-in the major sources of soiled laundry. doors in the Built-in cabinets fill the wall over Whether you see it as a coun- pantry. Sliding glassPatio 23' x 10' try-style home, or a farmhouse, the dining area open onto a partially the appliances; stacked shelves span the other wall.

Peterson looks comfortably invit- covered porch.

Direct access between the kitchThe owners’ suite is well buffing. Its railed wrap-around porch en and garage ered from the sounds of the is a major factor in creVaulted will be especially Peterson’s secondary ating that ambiance, Garage Dining Owners’ Suite bedrooms by appreciated the utility but the generous scat- 20'6" x 21' 12' xwhen 13'4'' 15'4"room, x 13' a large walk-in returning home closet, and the main bathroom. tering of Craftsmanafter dark, and for The private bathroom has a dual style windows may be Patio unloading grocer- vanity, and a pocket door that ofequally responsible.

23' x 10' Inc. © 2020 Associated Designs, Util.

Garage ies in inclement fers both toileting privacy and Families with tod20'6'' x 21' weather. shower steam containment. dler children or grandVaulted Dn and Associated Designs is the origichildren can easily creGreatBedrooms Room Vaulted 18' x 14'8" bathrooms cluster nal source for the Peterson 30-625. ate a safe outdoor play Entry Vaulted together on the For more information or to view area for their tykes by Garage Dining Owners’ right. Suite The utility other designs, visit www.Associated 20'6"gating x 21' the front porch 12' x 13'4'' 15'4" x 13' room is located Designs.com or call 800-634-0123. at both ends.

Bedroom Covered Porch Gathering spaces, Bedroom Garage 10'4" x 11'6" 10'4" x 12'10" including the entry, all 20'6'' x 21' Alternate Basement Stairs have vaulted ceilings.

Associated Designs, Inc. Dn Util.

Patio Even the kitchen. An 23' x 10' Peterson abundance of natural light Vaulted PLAN 30 -625 spills into the great room Great Room Living Area 1506 sq.ft.

Vaulted through the window bay18' x 14'8" Entry Garage 464 sq.ft.Vaulted that wraps around to one Garage Owners’ Suite Dimensions 66' x 44'Dining side, while more washes 20'6" x 21' 12' x 13'4'' 15'4" x 13' 1000 SERIES down through two dorwww.AssociatedDesigns.com Alternate mer windows,Basement set high in Stairs Bedroom Covered Porch the ceiling. © 2020 Associated Bedroom 10'4" x 11'6" Designs, Inc. Util.

10'4" x 12'10" A peninsular counter with an eating bar Vaulted is all that separates Great Room Vaulted Peterson the dining room and 18' x 14'8" Entry kitchen. Storage cabPLAN PLAN30 30-625 -625 inets and counter Living LivingArea Area 1506 1506sq.ft. sq.ft. space in the kitchen Garage 464 Garage 464sq.ft. sq.ft.

Bedroom Covered Porch are both well supBedroom 10'4" x 11'6" 66' Dimensions 66'xx44' 44' 10'4" x 12'10" plied. Counters wrap Dimensions 1000 1000SERIES SERIES around four sides, www.AssociatedDesigns.com nt Stairs while overhead and www.AssociatedDesigns.com

New Year, New Home: Invest in a home of your very own!

There’s a big misconception that buying a home requires a twenty percent down payment, leaving many potential buyers thinking that purchasing a home is nearly impossible.

Good news - you can actually get into a home with much less down with today’s mortgage programs. Plus with record low rates and tax return season being in full swing, there’s never been a better time to consider investing in homeownership.

Investment & Equity

Renata Buen, is an Executive Mortgage Officer with The HOME Team at Town & Country Credit Union. To contact Renata or get more information on home loans, visit www.townandcountry.org.

Town & Country Credit Union is an Equal Housing Lender.

NMLS# 704437.

When you purchase a home, you’re making an investment that will generally appreciate in value over time. This means when you decide to sell, your house could be worth more than what you purchased it for allowing you to make money. It’s no secret that when you rent you’re paying money each month to your landlord. You’re getting a place to stay, but you aren’t able to use that money as an investment. By purchasing a home you could be putting that monthly expense towards building equity. Equity in your home is comprised of your down payment plus the monthly payments you make to pay off your mortgage after you pay the loan’s interest. Mortgage payments reduce the amount you owe while your home may Tax Incentives be gaining value. By simply making a mortgage payment inWith tax season fresh in your mind, it’s important to stead of a rent payment, you’re building equity in your home. note that homeowners receive tax incentives that aren’t available to renters. As a homeowner, when it’s time for you to file, consult with your tax preparer as a portion of property taxes and mortgage interest paid out over the year could be tax deductible, allowing you to save money * on your taxes!

#1 Mortgage Lender IN WARD COUNTY

Record Low Home Rates Mortgage rates have dropped to historic lows and have remained extremely low saving borrowers hundreds of dollars a month and slashing payments for those who decide to refinance their current mortgage. By locking in today’s interest rates, you could save thousands of dollars over the life of your home loan. Plus, with low rates your monthly payment could come in lower than your current rent.

When the Time Is Right

Jocelyn Walz NMLS# 1674445

Lisa Thuner NMLS# 200018

Renata Buen NMLS# 789467

Over 38 years of combined experience.

Let us help you Make Home Happen!

(701) 420-6795 *Based off North Dakota Guaranty & Title 2019 reports.

Buying a home is one of the biggest financial decisions you’ll make and while it may seem overwhelming, there are educated professionals here to help you through the entire journey. To see what financing options are available for your unique situation, set up an appointment with a local mortgage officer. Some lenders offer free, no strings attached consultations. During this appointment, your lender will walk you through the home buying journey, explain the financing options available and answer any questions you may have.

If you’re ready to move forward – great! If not, they’ll help you determine what steps you need to take to ensure you’re ready for homeownership when the time comes.

March 2020 HOME MARKET 21

Great room is the heart of the Treyburn

By Associated Designs

Deck

Vaulted Great Room Dining 39' x 16'10'' Living

Ut ilit y

Ut ilit y

Ut ilit y

The Treyburn is a bigDeck Vaulted hearted home if there ever Great Room 13' x 8' Vaulted Deck Dining 39' x 16'10'' Living was one. From the street it Kitchen Guest/ looks like a spacious, Vaulted Bedroom contemporary ranchGreat Room Sitting 13'9'' x 15'4'' Deck Deck Dining 39' x 16'10'' Living style residence. But in13' x 8' Vaulted Entry side, you find yourself Kitchen Owners’ Suite Guest/ in an unusual vaulted, Bedroom 19' x 18'9'' Sitting hexagonal great room Deck 13'9'' x 15'4'' Mud that’s clearly the heart 13' x 8' Entry Rm Vaulted Covered Porch Owners’ Suite and soul of this plan.

Kitchen 19' x 18'9'' Six pie-shaped ceiling Guest/ Dn Bedroom Mud Sitting sections rise up to form Rm 13'9'' x 15'4'' Covered Porch a peak at the center.

Dn Entry Family gathering Owners’ Suite spaces cluster to19' x 18'9'' gether below. BedMud rooms, bathrooms PLAN PLAN 10-497 10-497 Rm Covered Porch2385 sq.ft. and utilities are Living Living Area Area 2385 sq.ft. housed in wings to Garage closet, luxurious owners’ bath, sitDn Basement Basement 2292 2292 sq.ft. sq.ft. ting area, and private deck. The the left and right.

23' x 34' Garage 830 sq.ft. sq.ft. large laundry room is outfitted Garage 830 Windowed on Garage 23' x 34' Dimensions 79'x 79'x82'2'' 82'2'' with a deep sink. A folding door Dimensions three sides, the great room requires minicloset here offers additional pantry 2000 SERIES SERIES 2000 mal artificial light space, and there’s plenty of room www.AssociatedDesigns.com www.AssociatedDesigns.com most days. On dreafor a sewing machine. © 2020 Associated Designs, Inc. PLAN 10-497 below. ry days and long, basement The second, or guest bedroom is © 2020 Associated Designs, Inc. dark nights, family is only slightly smaller than the ownLiving Area The 2385 kitchen sq.ft. members can ignite V- shaped. ers’ suite. The bathroom, linked to Garage Basementbasically 2292 sq.ft. flames in the trouble-free 23' x 34' gas fire- Counter extensions bring the two the garage via a mudroom, is hanGaragetogether,830while sq.ft. adding dy for taking care of muddy or place to create a warm, colorful fo- sides closer cal point in the center back wall. to the already work and dirty clothes before entering the Dimensionsgenerous 79'x 82'2'' Sliding glass doors offer access storage space. festive occa- rest of the house.

2000On SERIES to a large deck, ideal for outdoor sions, the long eating bar that rims Associated Designs is the origiwww.AssociatedDesigns.com dining when temperatures climb. If the edge nearest the dining area nal source for the Treyburn 10-497. © 2020 Designs, constructed as Associated designed, on Inc. a lot can double as a buffet.

For more information or to view that slopes down at the left rear, the Features in the Treyburn’s own- other designs, visit www.Associated deck will be raised with a daylight ers’ suite include: a huge walk-in Designs.com or call 800-634-0123.

Treyburn Treyburn

Treyburn

22 HOME MARKET March 2020

FINANCIAL DIRECTORY Banks • Credit Unions • Savings & Loan Associates • Mortgage Lenders

Locations in Minot, ND 900 South Broadway

852-3711 2200 15th St. SW

857-7220 2105 16th St. NW

852-8200

1017 South Bdwy & 924 31st Ave. SW, Minot

20 1st St. SW, Minot 701-852-3361 bremer.com

Member FDIC

857-8400 or 857-4444

www.primeres.com/minot 315 3rd Ave • SW Minot, ND

701-805-0006 or 701-721-5889 325 28th Ave SW Unit A Minot, ND 58701

(701) 839-3360

March 2020 HOME MARKET 23

24 HOME MARKET March 2020